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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Amazing online app.

Amazing online app.and clear instructions. Reviewed on: 20th January 2025

The Best Card to build Credit.

Simple language to understand. Excellent customer service. Reviewed on: 20th January 2025

a good starter card for a helping hand and used wise...

a good starter card for a helping hand and used wisely can help in lots of things had my card about 3 1/2 years and never had a problem great little back up when and if you need it. Reviewed on: 20th January 2025

Zopa's been a lifesaver for my credit score; most o...

Zopa's been a lifesaver for my credit score; most other places wouldn't touch me. Their communication's great, and I'm really happy. Reviewed on: 20th January 2025

Easy application to use.

Easy application to use. Would be good if more communication sent on how they can support and how you can support people older people who may not be able to access online Reviewed on: 20th January 2025

Congrats !!!

Very good and very nice app , congrats for what you doing!!! Reviewed on: 20th January 2025

Peace of mind

Was easy to apply, secure posting, and information, provided sensible limit on the card, easy app to use, great call centre when I called with a query, Regular information on security and statements and information on the banking itself and other services available to me, would recommend to friends that have struggled in the past to get a sensible limit and feel they got some emergency money backup somewhere. I feel safer having a credit card that I know I can afford. And I feel this company will help me manage it. Greta service Reviewed on: 20th January 2025

Zopa credit card are the best .

Zopa credit card are the best . I prefer everyone to use Zopa credit card Reviewed on: 20th January 2025

Never had any issues with my Zopa Credit Card

Never had any issues with my Zopa Credit Card, everything is easy to access & manage Reviewed on: 20th January 2025

Just great service.

Just great service.. brilliant app. Reviewed on: 20th January 2025

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